Transportation network companies: insurance coverage.
- Reduces rideshare insurance coverage from $1 million to $100,000 per person for uninsured motorist claims.
- Shifts responsibility for uninsured motorist coverage entirely to rideshare companies instead of drivers.
- Requires state agencies to study insurance coverage impacts and report findings by December 2030.
- Mandates rideshare companies reinvest insurance cost savings to benefit drivers and passengers.
Senator Cabaldon's transportation network company insurance legislation modifies coverage requirements for ride-hailing services, reducing mandatory uninsured and underinsured motorist protection from $1 million to $100,000 per person and $300,000 per incident. The bill shifts responsibility for maintaining this coverage entirely to transportation network companies, removing the current option for drivers to provide it through their own policies or in combination with company insurance.
The Public Utilities Commission and Department of Insurance must jointly study whether these revised coverage amounts appropriately match transportation network company risk profiles, with findings due to legislative insurance committees by 2030. The commission's 2026 annual report must include data on ride-hailing accidents from 2022-2024, including the percentage resulting in uninsured or underinsured motorist claims and those exceeding $100,000.
Transportation network companies retain primary liability coverage obligations of $1 million during rides and reduced amounts when drivers are logged into platforms but not actively transporting passengers. Companies must verify that any driver-provided insurance specifically covers ride-hailing activities. The legislation maintains that coverage cannot be contingent on personal auto policy denials and that required minimums do not cap company liability for damages exceeding insurance limits.
 Joaquin ArambulaD Assemblymember | Committee Member |  Not Contacted | |
 Buffy WicksD Assemblymember | Committee Member | Not Contacted | |
 Lisa CalderonD Assemblymember | Committee Member | Not Contacted | |
 Mike FongD Assemblymember | Committee Member | Not Contacted | |
 Diane DixonR Assemblymember | Committee Member | Not Contacted |
Email the authors or create an email template to send to all relevant legislators.
Introduced By
Latest Voting History
| Ayes | Noes | NVR | Total | Result |
|---|---|---|---|---|
| 9 | 0 | 0 | 9 | PASS |
- Reduces rideshare insurance coverage from $1 million to $100,000 per person for uninsured motorist claims.
- Shifts responsibility for uninsured motorist coverage entirely to rideshare companies instead of drivers.
- Requires state agencies to study insurance coverage impacts and report findings by December 2030.
- Mandates rideshare companies reinvest insurance cost savings to benefit drivers and passengers.
Email the authors or create an email template to send to all relevant legislators.
Introduced By
Senator Cabaldon's transportation network company insurance legislation modifies coverage requirements for ride-hailing services, reducing mandatory uninsured and underinsured motorist protection from $1 million to $100,000 per person and $300,000 per incident. The bill shifts responsibility for maintaining this coverage entirely to transportation network companies, removing the current option for drivers to provide it through their own policies or in combination with company insurance.
The Public Utilities Commission and Department of Insurance must jointly study whether these revised coverage amounts appropriately match transportation network company risk profiles, with findings due to legislative insurance committees by 2030. The commission's 2026 annual report must include data on ride-hailing accidents from 2022-2024, including the percentage resulting in uninsured or underinsured motorist claims and those exceeding $100,000.
Transportation network companies retain primary liability coverage obligations of $1 million during rides and reduced amounts when drivers are logged into platforms but not actively transporting passengers. Companies must verify that any driver-provided insurance specifically covers ride-hailing activities. The legislation maintains that coverage cannot be contingent on personal auto policy denials and that required minimums do not cap company liability for damages exceeding insurance limits.
Latest Voting History
| Ayes | Noes | NVR | Total | Result |
|---|---|---|---|---|
| 9 | 0 | 0 | 9 | PASS |
Joaquin ArambulaD Assemblymember | Committee Member | Not Contacted | |
Buffy WicksD Assemblymember | Committee Member | Not Contacted | |
Lisa CalderonD Assemblymember | Committee Member | Not Contacted | |
Mike FongD Assemblymember | Committee Member | Not Contacted | |
Diane DixonR Assemblymember | Committee Member | Not Contacted |